Senior Credit Risk Analyst

Citibank (Switzerland) AG; Hinoba-an; Hybrid; Confidential; Full time

Benefits offered by this job

Hybrid work model

Broad exposure

Structured learning

Complex portfolios

Performance-driven team

Wellbeing resources

Job summary

Citi is seeking a Senior Credit Risk Analyst to join its credit team in the Philippines. You will own end-to-end credit analysis, financial underwriting, and credit memo preparation for corporate accounts and portfolios.

You will assess complex credits, deliver portfolio-level insights, mentor junior analysts, and advise Credit Officers on loan terms, with a credible, well-documented approach. Your analysis will influence credit quality and portfolio performance across a broad client base.

Qualifications

• 2 to 5 years in credit analysis at a financial institution.
• Ability to interpret GAAP-compliant financial statements and tax returns.
• Experience with credit structures and lending regulations.
• Clear, structured written analysis for underwriting.
• Strong communication with Credit Officers and Relationship Managers.

Responsibilities

• Conduct end-to-end credit analysis for corporate accounts, including cash flow calculation and debt service coverage.
• Spread and analyze financial statements and tax returns, including Not-For-Profit entities.
• Prepare written credit memos that synthesize financial analysis and portfolio findings.
• Assess credit risk across simple to complex requests and provide preliminary analysis.
• Advise Credit Officers on loan terms and covenant interpretation; monitor lifecycle compliance.
• Complete QA reviews of application packages and credit analysis before underwriting.
• Mentor and coach junior Credit Analysts to strengthen team capabilities.

Skills

Credit analysis

GAAP knowledge

Financial statement analysis

Written analysis

Communication skills

Education

Bachelor's degree

Tools

Financial spreading software

Job description

Citi is looking for a Senior Credit Risk Analyst to join its credit team and take ownership of end-to-end credit analysis, financial underwriting, and credit memo preparation for corporate accounts and portfolios. In this role, you will assess complex credits, deliver portfolio-level insights, and work closely with Credit Officers and Relationship Managers to support sound, well-documented lending decisions. Your analysis will directly influence credit quality and portfolio performance across a broad range of client accounts.

Responsibilities

• Conduct end-to-end credit analysis for corporate accounts, including cash flow calculation, debt service coverage, collateral coverage, and guarantor net worth assessment.
• Spread and analyze new, renewal, and interim financial statements and business or individual tax returns, with a focus on complex structures including Not-For-Profit entities.
• Prepare written credit memos that synthesize financial analysis, market context, industry positioning, and portfolio-level findings for use in underwriting decisions.
• Assess credit risk across simple to complex credit requests, delivering clear and well-supported preliminary analysis ahead of underwriting review.
• Advise Credit Officers and Relationship Managers on loan agreement terms and covenant interpretation, and monitor compliance throughout the credit lifecycle.
• Complete quality assurance reviews of application packages and credit analysis to ensure accuracy and completeness before submission for underwriting.
• Mentor and coach junior Credit Analysts, sharing technical knowledge to strengthen team capability and analytical standards.

Required Qualifications & Skills

• 2 to 5 years of experience in a financial institution with direct involvement in credit analysis and the use of financial spreading software.
• In-depth knowledge of Generally Accepted Accounting Principles (GAAP), enabling accurate interpretation of complex financial statements and tax returns.
• Demonstrated ability to assess financial products, credit structures, and applicable financial regulations in a lending context.
• Ability to deliver clear, well-structured written analysis including credit memos covering financial, market, and industry dimensions.
• Effective communication skills, with the ability to present findings and recommendations to Credit Officers and Relationship Managers in a concise and credible manner.
• Bachelor's degree or equivalent professional experience.

Beneficial Skills & Qualifications

• Familiarity with SBA or EXIM loan structures and the specific analytical requirements associated with government-backed lending programs.
• Experience working with Not-For-Profit financial statements and an understanding of the accounting and compliance considerations specific to this sector.
• Prior experience in a quality assurance or review function within a credit or lending environment.

What We Offer

At Citi, you will work within a collaborative credit team where your analysis shapes real lending outcomes for corporate clients. This is an opportunity to deepen your expertise across the full credit lifecycle, take on meaningful responsibility from day one, and grow your career within one of the world's leading financial institutions.

• A hybrid working model with 3 days in the office and 2 days working remotely, giving you flexibility while staying connected to your team.
• Broad exposure across financial analysis, underwriting, market analysis, and credit memo writing, building a comprehensive skillset across the credit function.
• Structured learning and development opportunities to advance your technical knowledge and progress your career within Citi's global network.
• The opportunity to work on complex corporate credit portfolios, developing expertise that is valued across the financial services industry.
• A performance-driven team environment where your contributions directly affect credit quality and portfolio outcomes.
• Access to wellbeing support, financial wellbeing resources, and a range of benefits designed to support you both professionally and personally.

Time Type: Full time

Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. View Citi's EEO Policy Statement and the Know Your Rights poster.